Motor Vehicle Accidents in Ontario and OCFs : Auto Insurance Claims Forms When someone is injured in a motor vehicle accident, there are two possible actions. The injured person may sue the at-fault driver and may at the same time apply for Accident Benefits (AB). ABs are the benefits included in any motor vehicle insurance policy; eligibility is not contingent on being at-fault for the accident. The basic benefits are Medical and Rehabilitation Benefits, Income Replacement Benefits, as well as Death and Funeral expenses. More extensive insurance policies may have higher coverage as well as Caregiver Benefits and Housekeeping and Home Maintenance Benefits. When an insurance company is notified of a motor vehicle accident, they will send an information package with Auto Insurance Claims Forms (OCFs) to their …